You must complete an enrollment appointment with a professional benefit counselor to elect coverage. You must take action by the first of the month following 60 days of employment. During your confidential appointment, the benefit counselor will:
Visit JadeFinancial.MyBenefitsAppointment.com or call 833-658-4352 to schedule your telephonic appointment.
Administered through Blue Cross and Blue Shield of Illinois
Because there is nothing more important than your health, we offer three medical plans through Blue Cross and Blue Shield of Illinois. You have your choice of the following plans:
Summary of Benefits & Coverage (SBC)
Key Features
Additional Resources
Employees enrolled in a Blue Cross Blue Shield medical plan have access to the following services:
Administered by Blue Cross Blue Shield of Illinois
Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier. This dental plan allows the flexibility to select any dentist in-network or out-of-network, but if you stay in-network, you’ll pay less. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount the carrier will cover for each visit. Each type of service fits into a class of services according to complexity and cost.
Administered by Blue Cross Blue Shield of Illinois
Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes. A group vision plan makes it easier to get the care you need and lower your costs.
Vision insurance helps offset the cost of routine eye exams and helps pay for vision correction eyewear like eyeglasses and contacts by an eye-care provider. You’re eligible for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will only offer you an allowance towards your vision services.
Voluntary Long-Term Disability
Administered by Blue Cross Blue Shield of Illinois
Long-term disability insurance is a type of income protection that is designed to cover serious injuries and illnesses that keep you out of work for an extended amount of time. There is a pre-existing condition exclusion – any condition you’ve been treated for or diagnosed with for 12 months before your effective date of coverage will be excluded for 24 months after effective date of coverage.
Voluntary Short-Term Disability
Administered by Chubb
If you become ill or suffer a non-work-related injury that prevents you from working short-term disability insurance provides income replacement. There is a pre-existing condition exclusion – any condition you’ve been treated for or diagnosed with for 12 months will be excluded from coverage for 12 months after the policy's effective date.
*Benefits are not payable for a disability caused by a condition that existed on the employee's effective date as indicated below: A sickness or injury for which the employee received medical treatment, or advice was rendered, prescribed or recommended whether or not the sickness was diagnosed at all or misdiagnosed within the 12 months prior to the employee's effective date and condition results in a disability that begins within the first 24 months after the employee's effective date of coverage.
Administered by Blue Cross Blue Shield of Illinois
Basic Life and AD&D Insurance
Life insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, the Accidental Death and Dismemberment (AD&D) benefits paired with life insurance provide a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Benefits may reduce as you age. See your plan documents for more details.
This benefit is 100% company-paid, and you receive it if you elect medical coverage.
Voluntary Life Insurance
Voluntary term life/AD&D allows you to purchase additional life and AD&D coverage for yourself and your dependents. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will increase as you age, and benefits may be reduced. See your plan documents for more detail and to determine if evidence of insurability applies. This is your one-time opportunity to elect up to the Guarantee issue limits for voluntary life insurance – please refer to the benefit summary for specific limits.
Administered by Voya
When you suffer an accident such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Enroll without answering medical questions!
Administered by Voya
This plan provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. During your new hire enrollment period only, enroll without answering medical questions!
Administered by Voya
Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. Enroll without answering medical questions!
Administered by Chubb
Life Insurance with Long Term Care Enrollment through Chubb includes living benefits that provide financial support to cover the cost of long-term care such as nursing home care or assisted living facilities that you might need as a result of an accident, illness, or aging. Like life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses. During your new hire enrollment period only, enroll without answering medical questions!
Chubb’s Cancer Advocate Plus is a first-of-its-kind-genetics-based Cancer Insurance Program that customizes cancer care. More than advocacy - developed to help save lives.
Cancer Advocate Plus (CAP) is a personal, precise, and proactive way for you to manage your health. CAP combines Financial Protection and Cancer Care, including Genetic Cancer Screening, to help you determine your risk for cancer and Pharmacogenomic Testing to determine your best treatment based on your own DNA.
In addition to testing and treatment, CAP provides a dedicated Oncology Nurse Advocate to coordinate Clinical Trial Enrollment, Expert Medical Review, and so much more including financial protection, proactive cancer screening, cancer management, education & empowerment, and cancer recovery.
Diagnosis and Recovery Payments = $15,000*
*Spouse's payments are 50% of these amounts and coverage is only available for employees and spouses (coverage is not available for children).
Why Cancer Advocate Plus Might be Right for You?
